[{"data":1,"prerenderedAt":192},["ShallowReactive",2],{"blog-uad-3-6-replaces-1004-1073-1025-2055":3},{"post":4,"related":78,"pillar":79},{"slug":5,"title":6,"seoTitle":7,"description":8,"date":9,"updated":10,"category":11,"pillar":12,"howto":12,"keywords":13,"tags":23,"related":27,"faq":31,"words":47,"minutes":48,"parts":49,"toc":52,"steps":77},"uad-3-6-replaces-1004-1073-1025-2055","Goodbye 1004, 1073, 1025, 2055: How One Dynamic URAR Replaces the Old Forms","UAD 3.6 Replaces the 1004, 1073, 1025, 2055 | Carat","UAD 3.6 retires the 1004, 1073, 1025, 2055 and the other GSE appraisal forms. See how one dynamic URAR handles condos, 2–4 units and exterior-only work.","2026-09-15","2026-10-25","uad-3-6",false,[14,15,16,17,18,19,20,21,22],"uad 3.6 replaces 1004","1073 uad 3.6","1025 uad 3.6","2055 uad 3.6","retired appraisal forms","dynamic urar","uad 3.6 condo appraisal","uad 3.6 2-4 unit","exterior only appraisal uad 3.6",[24,25,26],"UAD 3.6","URAR","Forms",[28,29,30],"uad-3-6-complete-guide","redesigned-urar-vs-form-1004","uad-3-6-deadline-timeline",[32,35,38,41,44],{"q":33,"a":34},"Which appraisal forms does UAD 3.6 retire?","Per Freddie Mac's UAD 3.6 FAQ, the redesigned URAR retires and replaces the 1004, 1073, 1075, 2055, 1004C, 2090, 2095, 1025, 1007 and 1004D, plus the desktop and hybrid versions of the 1004 and 1073. The Operating Income Statement 216 is also retired.",{"q":36,"a":37},"How does one URAR handle a condo?","When the property is a condominium unit, the report shows the Project Information section and the condo-specific fields. The same report structure is used, with the sections that apply turned on.",{"q":39,"a":40},"What replaces the Form 1025 for 2–4 unit properties?","The redesigned URAR covers 2–4 unit properties with multiple Unit Interior sections, a built-in rent schedule and rental comparables, and the income approach with gross rent multiplier comparables when it is in scope.",{"q":42,"a":43},"What replaces the 2055 exterior-only appraisal?","Exterior-only work is handled by the same redesigned URAR, with the scope of work and inspection type stated in the report. There is no separate exterior-only form.",{"q":45,"a":46},"Is the 1004D still used under UAD 3.6?","The 1004D\u002F442 is retired as a form. Appraisal updates and completion reports have their own UAD 3.6 report types and must be delivered in the UAD 3.6 zip format.",1461,6,[50,51],"\u003Cp>For most of your career, the first thing you did with a new order was pick a form. Detached house with an interior inspection: 1004. Condo: 1073. Duplex: 1025, plus a 1007 if the lender wanted rents. Drive-by: 2055. Manufactured home: 1004C. Under UAD 3.6, that decision goes away. One report, the redesigned URAR, replaces the 1004, 1073, 1025, 2055 and the rest, and it changes shape to fit the property. This post explains what's retired, how the single report covers each property type, and what to watch for in the first months.\u003C\u002Fp>\n\u003Cp>\u003Cstrong>Key takeaways\u003C\u002Fstrong>\u003C\u002Fp>\n\u003Cul>\n\u003Cli>Fourteen form numbers retire with UAD 3.6, including the desktop and hybrid versions of the 1004 and 1073.\u003C\u002Fli>\n\u003Cli>The redesigned URAR shows sections and fields based on indicators about the property and the assignment.\u003C\u002Fli>\n\u003Cli>Condos get a Project Information section. 2–4 units get multiple unit interiors, a rent schedule and the income approach.\u003C\u002Fli>\n\u003Cli>Exterior-only, desktop and hybrid are scopes of work inside one report, not separate forms.\u003C\u002Fli>\n\u003Cli>Updates and completions have their own UAD 3.6 report types.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Ch2 id=\"the-forms-being-retired\">The forms being retired\u003C\u002Fh2>\n\u003Cp>The \u003Ca href=\"https:\u002F\u002Fsf.freddiemac.com\u002Ffaqs\u002Fuad-and-forms-redesign\" target=\"_blank\" rel=\"noopener\">Freddie Mac UAD 3.6 FAQ\u003C\u002Fa> lists every form the redesigned URAR retires and replaces:\u003C\u002Fp>\n\u003Cdiv class=\"bl-table\">\u003Ctable>\u003Cthead>\u003Ctr>\u003Cth>Form (Fannie Mae \u002F Freddie Mac)\u003C\u002Fth>\u003Cth>What it was for\u003C\u002Fth>\u003Cth>Under UAD 3.6\u003C\u002Fth>\u003C\u002Ftr>\u003C\u002Fthead>\u003Ctbody>\u003Ctr>\u003Ctd>1004 \u002F 70\u003C\u002Ftd>\u003Ctd>Single-family, interior and exterior\u003C\u002Ftd>\u003Ctd>Redesigned URAR\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>1004 Desktop \u002F 70D\u003C\u002Ftd>\u003Ctd>Desktop single-family\u003C\u002Ftd>\u003Ctd>Redesigned URAR, desktop scope\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>1004 Hybrid \u002F 70H\u003C\u002Ftd>\u003Ctd>Hybrid single-family\u003C\u002Ftd>\u003Ctd>Redesigned URAR, hybrid scope\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>1073 \u002F 465\u003C\u002Ftd>\u003Ctd>Condo unit\u003C\u002Ftd>\u003Ctd>Redesigned URAR with Project Information\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>1073 Desktop \u002F 465D, 1073 Hybrid \u002F 465H\u003C\u002Ftd>\u003Ctd>Condo desktop and hybrid\u003C\u002Ftd>\u003Ctd>Redesigned URAR\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>1075 \u002F 466\u003C\u002Ftd>\u003Ctd>Exterior-only condo\u003C\u002Ftd>\u003Ctd>Redesigned URAR, exterior-only scope\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>2055\u003C\u002Ftd>\u003Ctd>Exterior-only single-family\u003C\u002Ftd>\u003Ctd>Redesigned URAR, exterior-only scope\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>1004C \u002F 70B\u003C\u002Ftd>\u003Ctd>Manufactured home\u003C\u002Ftd>\u003Ctd>Redesigned URAR with Manufactured Home section\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>2090\u003C\u002Ftd>\u003Ctd>Co-op interest\u003C\u002Ftd>\u003Ctd>Redesigned URAR\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>2095\u003C\u002Ftd>\u003Ctd>Exterior-only co-op\u003C\u002Ftd>\u003Ctd>Redesigned URAR\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>1025 \u002F 72\u003C\u002Ftd>\u003Ctd>2–4 unit small income\u003C\u002Ftd>\u003Ctd>Redesigned URAR with rent schedule and income approach\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>1007 \u002F 1000\u003C\u002Ftd>\u003Ctd>Single-family rent schedule\u003C\u002Ftd>\u003Ctd>Rental Information section\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>1004D \u002F 442\u003C\u002Ftd>\u003Ctd>Update and\u002For completion\u003C\u002Ftd>\u003Ctd>Separate UAD 3.6 update and completion report types\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003C\u002Fdiv>\n\u003Cp>The FAQ also lists the Operating Income Statement (216\u002F998) as retired: the GSEs "do not expect to receive it through UCDP." It notes a narrow case where a 1007 may still be needed, when the original appraiser isn't available to amend the report.\u003C\u002Fp>\n\u003Cblockquote class=\"bl-callout note\">\u003Cp>\u003Cstrong>Note:\u003C\u002Fstrong> The FAQ says restricted appraisal update and completion reports for UAD 3.6 appraisals "must be submitted in UAD 3.6 ZIP format," while updates on UAD 2.6 appraisals stay in UAD 2.6 XML. UCDP doesn't accept mixed standards under the same Document File Identifier.\u003C\u002Fp>\n\u003C\u002Fblockquote>\n\u003Ch2 id=\"how-one-report-becomes-many\">How one report becomes many\u003C\u002Fh2>\n\u003Cp>The trick behind the single report is in Appendix A-1, the Delivery Specification. Each of its roughly 1,626 data points carries a condition: Required, Conditionally Required, or optional. Conditionally Required fields depend on other answers. Set the property type, the number of units, the ADU count, whether there's a pool or an outbuilding, and the report knows which sections and rows apply.\u003C\u002Fp>\n\u003Cp>So instead of choosing a form up front, you answer a few questions about the property and the assignment. The report assembles itself around those answers.\u003C\u002Fp>\n\u003Cdiv class=\"bl-table\">\u003Ctable>\u003Cthead>\u003Ctr>\u003Cth>You indicate\u003C\u002Fth>\u003Cth>The report adds\u003C\u002Fth>\u003C\u002Ftr>\u003C\u002Fthead>\u003Ctbody>\u003Ctr>\u003Ctd>Condominium\u003C\u002Ftd>\u003Ctd>Project Information section and condo-specific fields\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>2–4 living units\u003C\u002Ftd>\u003Ctd>A Unit Interior for each unit, Rental Information, rent schedule\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>ADU present\u003C\u002Ftd>\u003Ctd>A Unit Interior for the ADU, ADU rows in the comp grid\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>Manufactured construction\u003C\u002Ftd>\u003Ctd>Manufactured Home section (HUD certification, zones, foundation, invoices for new homes)\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>Outbuildings\u003C\u002Ftd>\u003Ctd>Outbuilding sections and grid rows\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>Income approach in scope\u003C\u002Ftd>\u003Ctd>Income Approach with GRM comparables\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>Cost approach in scope\u003C\u002Ftd>\u003Ctd>Cost Approach\u003C\u002Ftd>\u003C\u002Ftr>\u003Ctr>\u003Ctd>Value subject to repairs or completion\u003C\u002Ftd>\u003Ctd>As-is condition rating and related fields\u003C\u002Ftd>\u003C\u002Ftr>\u003C\u002Ftbody>\u003C\u002Ftable>\u003C\u002Fdiv>\n\u003Cp>The compliance rules enforce this logic. For example, rule UAD1214 is Fatal if the income approach is included but no GRM comparables are provided. Rule UAD1011 is Fatal if your ADU count doesn't match the number of units you flagged as ADUs.\u003C\u002Fp>\n\u003Ch2 id=\"condos-the-1073-becomes-a-section\">Condos: the 1073 becomes a section\u003C\u002Fh2>\n\u003Cp>The 1073 was mostly a 1004 with a project page. Under UAD 3.6, that's literally what happens: the Project Information section appears for condo units, with project data such as total units, units sold and rented, units for sale, HOA fees and what they include, common amenities, conversion history and project factors, each with its own commentary.\u003C\u002Fp>\n\u003Cp>One measurement point worth knowing: Fannie Mae's ANSI guidance says the ANSI Z765 standard isn't used for apartment-style condos. The redesigned URAR handles that with the Measurement Standard field: choose Other and enter "Not Applicable due to property type," per Appendix F-1. Townhouse-style condos are different. See \u003Ca href=\"\u002Fblog\u002Fansi-z765-gla-uad-3-6\">ANSI Z765 and GLA under UAD 3.6\u003C\u002Fa> for the details.\u003C\u002Fp>\n\u003Ch2 id=\"2-4-units-the-1025-and-1007-fold-in\">2–4 units: the 1025 and 1007 fold in\u003C\u002Fh2>\n\u003Cp>This is one of the bigger changes. The 1025 had its own grid, its own rent schedule and its own income page. The redesigned URAR handles 2–4 units in the same structure as a single-family home, with:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cstrong>A Unit Interior per unit.\u003C\u002Fstrong> Each unit has its own area, rooms, condition and quality.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Rental Information.\u003C\u002Fstrong> Current and market rents per unit, with rental comparables.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Income Approach.\u003C\u002Fstrong> Gross rent multiplier comparables and the GRM conclusion, when in scope.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Grid summary metrics.\u003C\u002Fstrong> Adjusted price per unit and per bedroom, and price per gross building finished area. Rule UAD1458 is a Warning if a comp with more than one unit has no adjusted price per unit.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>Some lenders and AMCs ask for a rent schedule on single-family investment properties too. The 1007 retires as a form; the rent data goes in Rental Information.\u003C\u002Fp>\n","\u003Ch2 id=\"exterior-only-desktop-and-hybrid-scope-not-form\">Exterior-only, desktop and hybrid: scope, not form\u003C\u002Fh2>\n\u003Cp>Under the old system, the inspection type was baked into the form number. A 2055 was exterior-only. A 1004 Desktop was a desktop. Under UAD 3.6, the inspection type and the scope of work are data in the Assignment Information section, and the report uses the same structure regardless.\u003C\u002Fp>\n\u003Cp>That has two practical effects:\u003C\u002Fp>\n\u003Col>\n\u003Cli>\u003Cstrong>Your certification has to match your scope.\u003C\u002Fstrong> Rules check that the appraiser certification lines up with the valuation method and the inspection. Rules UAD1512 and UAD1518 are Warnings when certification #10 doesn't align with the property valuation method or the subject inspection.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Data sources matter more.\u003C\u002Fstrong> For exterior-only or desktop work, you'll lean on the data source fields. Area Data Source, for example, offers choices including Assessor Record, MLS, Physical Measurement, Plans and Specifications, Previous Appraisal File, Property Owner and Three-Dimensional Scan.\u003C\u002Fli>\n\u003C\u002Fol>\n\u003Ch2 id=\"manufactured-homes-and-co-ops\">Manufactured homes and co-ops\u003C\u002Fh2>\n\u003Cp>Manufactured homes get a dedicated section with the manufacturer, serial number, HUD certification number, HUD wind, thermal and roof load zones, foundation and towing hardware details and, for new homes, questions about the manufacturer's and retailer's invoices. Rules like UAD1109 are Fatal if a new manufactured home's invoice review isn't indicated. Co-ops use the same report with cooperative-specific data and data sources (Cooperative Board, Cooperative Questionnaire).\u003C\u002Fp>\n\u003Cp>Software support for these two property types varies across vendors, so check before you accept a manufactured or co-op order in a new program.\u003C\u002Fp>\n\u003Ch2 id=\"what-happens-to-your-old-forms\">What happens to your old forms\u003C\u002Fh2>\n\u003Cp>Your old 1004s don't disappear. They stay in your workfiles, and USPAP's Record Keeping Rule requires you to keep each workfile at least five years after preparation, or at least two years after final disposition of any judicial proceeding in which you testified, whichever period ends later.\u003C\u002Fp>\n\u003Cp>They're also your best comps history. A decade of 1004s and 1025s holds sales you verified, adjustments you supported and properties you've already measured. When you switch software for UAD 3.6, bring that archive with you. The \u003Ca href=\"\u002Fblog\u002Fswitch-appraisal-software-without-losing-comps\">guide to switching appraisal software without losing a decade of comps\u003C\u002Fa> covers how, and if you're on ClickFORMS, see \u003Ca href=\"\u002Fblog\u002Fmigrate-from-clickforms-uad-3-6\">migrating from ClickFORMS to UAD 3.6\u003C\u002Fa>.\u003C\u002Fp>\n\u003Cp>As for timing: excepted lenders can keep ordering 2.6 forms until May 19, 2027, with resubmissions through June 27, 2027. The \u003Ca href=\"\u002Fblog\u002Fuad-3-6-deadline-timeline\">UAD 3.6 deadline timeline\u003C\u002Fa> has every date.\u003C\u002Fp>\n\u003Ch2 id=\"the-upside-of-one-report\">The upside of one report\u003C\u002Fh2>\n\u003Cp>It's easy to focus on what's being taken away. But one report has real advantages for a working appraiser:\u003C\u002Fp>\n\u003Cul>\n\u003Cli>\u003Cstrong>No wrong-form revisions.\u003C\u002Fstrong> You can't deliver a 1004 when the lender needed a 1073.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Mixed properties fit.\u003C\u002Fstrong> A house with a legal ADU, a detached garage apartment and a pole barn fits in one report.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>One habit set.\u003C\u002Fstrong> The Site section works the same way for a condo, a duplex and a farmhouse.\u003C\u002Fli>\n\u003Cli>\u003Cstrong>Consistent review.\u003C\u002Fstrong> Underwriters and AMC reviewers read the same structure every time.\u003C\u002Fli>\n\u003C\u002Ful>\n\u003Cp>For a section-by-section look at how the new report compares to the old 1004, read \u003Ca href=\"\u002Fblog\u002Fredesigned-urar-vs-form-1004\">the redesigned URAR vs. the Form 1004\u003C\u002Fa>. The \u003Ca href=\"\u002Fblog\u002Fuad-3-6-complete-guide\">complete UAD 3.6 guide\u003C\u002Fa> puts all of it in context.\u003C\u002Fp>\n\u003Cp>Carat builds the redesigned URAR for 1–4 unit, condo and PUD properties today, with the rent schedule, rental and GRM comps for 2–4 units built in. Co-op and manufactured home support is partial, so check before you take those orders. Update and completion reports are coming soon. It's \u003Ca href=\"\u002F#pricing\">$99 a month per appraiser with no tiers\u003C\u002Fa>, and you can \u003Ca href=\"\u002Fsign-in?mode=create\">start an account here\u003C\u002Fa>.\u003C\u002Fp>\n",[53,56,59,62,65,68,71,74],{"id":54,"t":55},"the-forms-being-retired","The forms being retired",{"id":57,"t":58},"how-one-report-becomes-many","How one report becomes many",{"id":60,"t":61},"condos-the-1073-becomes-a-section","Condos: the 1073 becomes a section",{"id":63,"t":64},"2-4-units-the-1025-and-1007-fold-in","2–4 units: the 1025 and 1007 fold in",{"id":66,"t":67},"exterior-only-desktop-and-hybrid-scope-not-form","Exterior-only, desktop and hybrid: scope, not form",{"id":69,"t":70},"manufactured-homes-and-co-ops","Manufactured homes and co-ops",{"id":72,"t":73},"what-happens-to-your-old-forms","What happens to your old forms",{"id":75,"t":76},"the-upside-of-one-report","The upside of one report",[],[79,122,156],{"slug":28,"title":80,"seoTitle":81,"description":82,"date":83,"updated":10,"category":11,"pillar":84,"howto":12,"keywords":85,"tags":96,"related":99,"faq":101,"words":120,"minutes":121},"UAD 3.6: The Complete Guide for Residential Appraisers (2026)","UAD 3.6 Guide for Appraisers (2026) | Carat","UAD 3.6 explained for working appraisers: the redesigned URAR, MISMO 3.6 XML, the 728 compliance rules, the November 2, 2026 mandate and how to get ready.","2026-10-20",true,[86,87,88,89,90,91,92,93,94,95],"uad 3.6","uad 3.6 appraisal","uniform appraisal dataset 3.6","redesigned urar","uad 3.6 mandate","uad 3.6 for appraisers","uad 3.6 changes","new urar form","uad 3.6 compliance rules","mismo 3.6",[24,25,97,98],"MISMO 3.6","Compliance",[30,5,100],"uad-3-6-readiness-checklist",[102,105,108,111,114,117],{"q":103,"a":104},"When is UAD 3.6 mandatory?","UAD 3.6 is mandatory for new appraisal reports submitted to UCDP on or after November 2, 2026. The date is based on the initial UCDP submission date, not the loan application date or the effective date of the appraisal.",{"q":106,"a":107},"What is UAD 3.6?","UAD 3.6 is the redesigned Uniform Appraisal Dataset from Fannie Mae and Freddie Mac. It replaces the separate appraisal forms with one dynamic report, the redesigned URAR, delivered as MISMO 3.6 XML with a matching PDF and image files in a single zip.",{"q":109,"a":110},"Does UAD 3.6 change how I value a house?","No. The appraisal process, USPAP and your analysis stay the same. UAD 3.6 changes how the data is collected, structured and reported, and it asks for more of your reasoning in structured fields and commentary.",{"q":112,"a":113},"Can I still use the Form 1004 after November 2, 2026?","Only in limited cases. Sellers that obtained a one-time GSE policy exception may submit new UAD 2.6 reports through May 19, 2027, and resubmissions of UAD 2.6 reports are accepted through June 27, 2027. UAD 2.6 is retired on June 28, 2027.",{"q":115,"a":116},"Do appraisers submit UAD 3.6 reports to UCDP?","Usually not. The appraiser delivers the zip package to the client, and the lender or its AMC submits it to UCDP. FHA loans go to the FHA EAD portal.",{"q":118,"a":119},"Is there an approval appraisers need for UAD 3.6?","No. There is no appraiser certification for UAD 3.6. Software vendors can go through GSE verification, which is a vendor listing that lenders check, not an approval for the appraiser.",3159,14,{"slug":29,"title":123,"seoTitle":124,"description":125,"date":126,"updated":10,"category":11,"pillar":12,"howto":12,"keywords":127,"tags":134,"related":136,"faq":138,"words":154,"minutes":155},"The Redesigned URAR vs. the Form 1004: What Changed and Why","Redesigned URAR vs. Form 1004: What Changed | Carat","The redesigned URAR vs. the Form 1004, section by section: what moved, what's new, what's gone and why the GSEs rebuilt the appraisal report for UAD 3.6.","2026-09-22",[89,128,93,129,130,131,132,133],"redesigned urar vs 1004","form 1004 changes","urar uad 3.6","new appraisal form 2026","urar sections","1004 replacement",[25,135,24],"Form 1004",[28,5,137],"ansi-z765-gla-uad-3-6",[139,142,145,148,151],{"q":140,"a":141},"What is the redesigned URAR?","It's the new Uniform Residential Appraisal Report under UAD 3.6. One dynamic report replaces the Form 1004 and the other GSE appraisal forms, showing only the sections that apply to the property being appraised.",{"q":143,"a":144},"Is the redesigned URAR longer than the 1004?","It depends on the property. A simple detached house may run a similar length once you count the addenda a 1004 used to need. A property with an ADU, outbuildings or many defects will be longer, because each item gets its own structured rows.",{"q":146,"a":147},"Does the redesigned URAR still use C and Q ratings?","Yes. Condition and quality ratings carry over, and the report adds a ratings definitions appendix. Condition is also reported per component, such as roof and windows, in addition to the overall rating.",{"q":149,"a":150},"Does the 1004MC still exist under UAD 3.6?","The redesigned URAR has its own Market section covering listings, pending sales, days on market, price ranges, supply and demand and a price trend analysis, so the market analysis is part of the report instead of a separate addendum.",{"q":152,"a":153},"Why did Fannie Mae and Freddie Mac redesign the URAR?","The GSEs wanted one report that works for any residential property type, built on the MISMO 3.6 data standard, so the data in every appraisal is consistent, complete and machine-readable.",1606,7,{"slug":30,"title":157,"seoTitle":158,"description":159,"date":160,"updated":10,"category":11,"pillar":12,"howto":12,"keywords":161,"tags":170,"related":173,"faq":175,"words":191,"minutes":155},"UAD 3.6 Deadline: Every Date from November 2, 2026 to the UAD 2.6 Retirement","UAD 3.6 Deadline and Timeline (2026–2027) | Carat","The UAD 3.6 deadline is November 2, 2026. Every date that follows, from the lender exception period to the UAD 2.6 retirement on June 28, 2027, explained.","2026-10-02",[162,163,164,165,166,167,168,169],"uad 3.6 deadline","uad 3.6 mandate date","uad 3.6 timeline","november 2 2026 uad","uad 2.6 retirement","uad 3.6 policy exception","uad 3.6 effective date","when is uad 3.6 mandatory",[24,171,172],"Deadlines","UCDP",[28,100,174],"uad-3-6-compliance-rules-fatal-warning",[176,179,182,185,188],{"q":177,"a":178},"What is the UAD 3.6 deadline?","November 2, 2026. From that date, sellers that don't have an approved GSE policy exception must submit UAD 3.6 appraisal reports to UCDP for new submissions.",{"q":180,"a":181},"Is the UAD 3.6 deadline based on the effective date of the appraisal?","No. Freddie Mac says the mandate applies based on the UCDP submission date of the report, not the loan application date or the effective date of the appraisal.",{"q":183,"a":184},"What is the UAD 3.6 policy exception?","A one-time exception the GSEs offered to sellers that need more time. With it, a seller can submit new UAD 2.6 reports through May 19, 2027 and resubmit UAD 2.6 reports through June 27, 2027. The GSEs say it will not be extended.",{"q":186,"a":187},"When is UAD 2.6 retired?","June 28, 2027. After that date no UAD 2.6 appraisal reports are processed in UCDP.",{"q":189,"a":190},"What happens to UAD 2.6 reports from March 1, 2027?","From March 1 through May 19, 2027, UAD 2.6 reports submitted under an exception receive a collateral risk score of 99 from Freddie Mac and 999 from Fannie Mae and are not eligible for collateral representation and warranty relief for value.",1545,1793082914960]